BNPL Pay is a decentralized lending protocol that puts credit in the hands of those who need it the most, namely, those who cannot meet the requirements to take on collateralized loans. To that end, we have created the BNPL Pay Protocol, an uncollateralized lending platform that services such a need. We tackle the counterparty risk associated with uncollateralized borrowing through a distributed network of Banking Nodes. Our system delegates the tasks of credit checks, risk assessment and other due diligence requirements to pool operators, and creates a set of incentive structures that reward and punish these operators based on performance.
Banking Nodes manage pools of liquidity, and have the autonomy to delegate these funds to potential borrowers in the parameters they see fit, while lenders can choose an operator that suits their risk-reward preferences to conduct interest bearing activities based on fully transparent data. Borrowers can apply for credit from any or all Bank Nodes, and if approved, are issued loans on fully customizable and agreed upon terms.
Unlike established protocols within DeFi, uncollateralized borrowing presents an entirely new avenue of risk that is yet to be tackled within blockchain networks, namely, counterparty risk. BNPL Pay seeks to address this risk by delegating the tasks of credit checks, risk assessment and other processes conducted by traditional credit facilities to our node operators. With this, node operators lie at the heart of our protocol, and connect lenders with borrowers.
The BNPL token is the governance token within the BNPL Pay protocol and has multiple utility functions including bonding a banking node and staking banking nodes as a form of insurance in the event of a default.
What is the highest value BNPL Pay [OLD] (BNPL) has ever reached?
BNPL Pay [OLD] (BNPL) reached its peak price at 0.1194 $ on 08 November 2025, approximately a few seconds ago ago. Presently, the current price is -99.88% lower than this all-time high.
What is the historical minimum price for BNPL Pay [OLD] (BNPL)?
The minimum price reached for BNPL Pay [OLD] (BNPL) was 0.00004999 $, documented on 08 November 2025, more than a few seconds ago. In comparison, the current price is 186.69%, it above this historical low.
What is the fully diluted valuation of BNPL Pay [OLD] (BNPL)?
The fully diluted valuation (FDV) of BNPL Pay [OLD] (BNPL) stands at $ 55,713. This figure reflects the maximum potential market capitalization, considering that the current circulating supply is at its maximum of 1,000,000,000 BNPL tokens. The realization of this FDV might take several years depending on the emission schedule of BNPL tokens.